Eligibility requirements

Who is a personal loan for?

A personal loan can be taken out by any natural person, whether a legally capable adult or a non-emancipated minor.

And how?

To obtain your personal loan, you must open a current or joint account. It's free, as is your bank card.

Availability of funds

The funds are paid into your deposit account within a minimum of 48 hours of accepting your credit offer. The funds can be made available in one or more installments over a maximum period of 6 months.

Withdrawal

The legal withdrawal period is 14 days from the date your loan offer is signed.

Closure

The loan is closed upon maturity or in the event of full early repayment.

Acceptance of the offer

Upon receipt of the offer:
- Its validity period is 30 days;
- you can accept it from the 11th day (following the legal 10-day reflection period).

Withdrawal and Repayment

Withdrawal

Your monthly payments are debited directly from your deposit account, and the first withdrawal occurs on the first chosen amortization date.
You can choose the date, i.e., the date on which you wish to repay your loan monthly. Subsequently, and at any time, you can change the date by requesting it by mail to BCMF.

Repayment Options

You can defer the first repayment for a maximum period of 12 months. You can suspend two monthly payments per rolling year, respecting a two-month period between each suspended payment.
Depending on the term of your contract, you can suspend a maximum of eight monthly payments.
You can repay your loan before the scheduled term.

A loan is a commitment and must be repaid. Check your repayment capacity before committing.